[[*---Branched Over Me---*]]

Tuesday, June 06, 2006

'Bad' Debts

Get over that bloody 'i miss u' sorrows and move on with life, gera! for u have a shitload of debts to clear before u die!

darn, for the past two months i've been getting conscious of the debts that i owe from my study loan. man! i started with like s$14,000 of bank loan debt + s$2000 computer loan (which financed part of the now-defunct Fujitsu).... after two months of repaying,,sacrificing all of my progress package and some help from my sis and mum, i've managed to clr s$4500.... sounds good to have done so in juz 2 months huh, but unfortunately the repayment ain't always gonna go at this rate....

looked at my payslip for the month of may, i decided to do some sums and work out my finances for the coming months to come....

my disposable pay after
that sucker 20% deduction for CPF: $XXXX

study loan repayment - $ 400 (takes 2 yrs to clr)

computer loan repayment - $ 300 (end of this yr to clr)

phone & internet bills - $ 100 (the day i decided to stop using my cellphone & internet --> never)
__________________________________________

= daily expenses, transportation, driving lessons (in near future)

= VERY VERY VERY LITTLE SAVINGS

= goodbye travelling plans = goodbye europe, goodbye alaska, goodbye northern lights, goodbye skiing

= a very sad me :(

instead drowning in the sorrows of whatever i mentioned below, i'm now drowning in a sea of debts boohoo.....

gera!

[[ Hit by a fallen branch ]]*|1:13 am|

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